Building Insurance: Questions

2018-04-02 18:48:18

No, mine doesn’t have such. But I insure myself for the reason that, if something happens, my insurance pays. And that rules out huk 24 for me, because that means you have to handle everything online with them. Good luck if the house ever burns down. Karsten

2018-04-02 19:03:27

Not at all. If you are with huk24, you can use the claims settlement of huk (without 24). I have only good experiences with them, whether with or without 24.

2018-04-02 20:05:09

Exactly. Broker. Not just house, we have everything through him. He has a general power of attorney from us so he can insure us wherever he wants. Directive. Affordable and good, not necessarily as cheap as possible. That’s how he acts. In case of damage, he is my contact person. He has access to insurances that check doesn’t even know. Car for example Condor, house Badener, with some I don’t even know by heart where we are. Doesn’t matter. That’s his job. I pay him for that. We came across a broker because we needed to insure a ship. Both check 24 and the usual suspects failed there. They can’t, it’s not possible, we don’t do that. But the broker put together a very good policy from Lloyd’s of London and Generali. At a good rate. We liked that. So we gradually switched everything to him. Karsten

Serious or sarcasm? Broker is probably the last thing you’d recommend. They pocket exorbitantly high commissions (which you don’t even notice at first) and then when a claim occurs they’re just “middlemen” and in the end you can insure yourself just as cheaply online.

Well, to each their own... .

2018-04-02 20:17:27

We are very divided on that.

2018-04-02 21:48:14

) I also once had my stuff with an agent - but I quickly parted ways, because although he was supposedly "independent," he still always recommended things from the same groups - which ultimately were significantly more expensive. We have residential building insurance with WGV and without elemental coverage - so only fire, storm + hail, and tap water. But we have neither a basement nor water nearby.

2018-04-02 22:43:43

He found us, for example, Badener residential buildings including natural hazards for 165,- per year. I also found that completely okay compared to check 24. Additionally, very good, fair conditions.

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Building Insurance: Questions

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